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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,033 | $208,088-92.8% | $186,193-91.9% | $154,746-90.3% |
| Participation rate | 69.2% | 80.0%-10.8pp | 77.1%-7.9pp | 80.7%-11.5pp |
| Annual return | 20.33% | 89.97%-69.6pp | 78.03%-57.7pp | 172.34%-152.0pp |
| Employer contribution / active EE | $1,463 | $4,340-66.3% | $3,918-62.7% | $4,379-66.6% |
| Participant deferral / active EE | $2,439 | $7,078-65.5% | $6,513-62.6% | $6,730-63.8% |
| Admin fee / account holder | $1,002 | $11,698-91.4% | $11,058-90.9% | $14,365-93.0% |